Financial Resources Federal Credit Union, Bridgewater Township, NJ

In general I love this credit union. The Hillsborough branch is awesome and we've had great experience with them. The problem is with their loan servicing group. 5 years ago after my husband and I first got married, we refinanced our house with the credit union from another major bank. When we refinanced, the appraisal came back very low even though housing values were basically same or higher than when I originally bought the house. We agreed to pay PMI instead of paying difference because we didn't have the cash to pay down principal and the rate difference made it worth it anyway. We assumed housing would continue to stay same or go up and in a year or so we'd get it removed. When we requested removal, we were told that if we paid down to 20% based on loan assessment, they would do market evaluation to confirm and then it would be removed. We were REQUIRED to pay down before they would initiate the evaluation. We paid, they evaluated and said it was even lower. So now we put a large amount of money into pay down AND we couldn't get the PMI removed. I've tried to talk to someone. They will only communicate by email. Based on their process, they want us to pay another large sum towards principal before they will consider again if they can remove the PMI. Property values have gone way up. We are well under 20% of both original purchase price as well as original refinance with them. Note, we also just did a home equity loan with them and their assessment for that was a value putting us at almost 60 % LTV. At this point, I think it's just a racket to keep paying money. They fell all over themselves to make the home equity loan but can't be bothered to help me remove PMI which based on their process apparently can never go away. If we didn't have the original loan with them, we would not have considered them for the home equity loan. Credit union for regular banking gets high marks. RUN AWAY from doing a loan with them.

I had a vehicle loan from these people. The banker was so unhelpful. I'd deal with them and try to get an answer and nothing for after weeks of calling and trying to grey a hold of someone about my loan. Finally reached the banker who was in charge of my loan and then he threatened me, with him taking my personal info. This happened in 2019. I'd never use this place. I reported this bank for threatening to steal my personal info

Best customer service. Highly recommended this branch. I opened an account in the last week, Everybody was so helpful. Me & my wife became a member and they also gave us small present for becoming an member. I am not sure why other people gave 1 or 2 stars. I am working with a Mortgage loan officer for my new house, Person name Bill Panayote is the best person to deal with. All the team even senior underwriter also very helpful. They respond your emails and phone calls as fast as possible. They really work with the customer. I highly recommended to purchase the loan from this branch of Financial Resources FCU.

This year after moving states, I had to make a few large withdrawals. FRFCU noticed my transactions were unusual and the Fraud department immediately put a lock on my card. I called in and I had to verify my information with unprofessional agents, but after many incompetent failure on their part and many unnecessary calls on my part, finally they restored my account. Not to mention every time I called the Fraud department they could not find my information. Uh? why did Bridgewater FRFCU transfer me to them or gave me their number??? For the past 4 to 6 months, I noticed whenever I got Craig, at Bridgewater, he would handle my calls rudely before he even verified me to go into my account. When I could finally get past the intimidation air he would deliberately create to discourage from getting helped, I would then tell him I have a secure loan and the payments on it must be done from my bank account from the main office. I have never seen this man but for some reason, I feel targetted. About 2 weeks ago, he picked up my call, and when he identified himself. I quickly told him that this payment must be done from that office from my account. He goes oh (knowing very well, what I meant) and he said hold on; to my surprise he transferred me to the credit card company. Craig is a Manager; he knows very well payments made by them onto my secure loan card is free, but if the credit card does this transaction, they charge me a transaction fee. Since my first complaint against him (which needed to be done, because the way he handled my very first call with him was so uncomfortably strange that I thought I had dialed the wrong place), he always tries to transfer me to the credit card company. Perhaps my accent gives away my nationality or my race hmmm, but there is definetely an irrational reason for this man to have it in for someone he has never seen and who has never provoked him. Over a week ago, after I filed a second complaint against him, the next day, my card was supposedly hacked. When I called the Fraud department, the lady verified the charges and location, then she told me all of the charges were denied because the perpetrator did not have my cvv. I told her that I needed access to my card immediately, and she said to call Bridgewater. The next day I called Bridgewater to see if they could expedite my new card. Fyi, there are reasons I use/rely only on this card. Anyway, feeling suspicious, I asked the agent to tell me the charges that were denied, and to my surprise the charges she mentioned were not the same that the Fraud department had told me. I then told her that I did not believe that my card got hacked and that I thought it had everything to do with my complaint against Craig. I didnt expect her to agree or disagree, in fact that agent handled the call well. Generally most of them are helpful. I am now heading toward the 2 week without access to my money only because they would not send it at their cost. I am told if I need the card to be sent quickly through secure/trackable channels I would have to pay 50 (some lame explanation about we have to make the card; as if when they send it for free, they do have to remake the card). A long time ago, when I first opened up this account, this bank ran efficiently and staff was so helpful and pleasant, now I have to deal with retaliation by a Manager, agents at the Fraud department who think their job is to intimidate when they see you are at their mercy to get access to your card, and some agent by the name of Day who asks me with an attitude, Are you upset? Do you think I am upset (some street tone, while I am obviously upset that I am still waiting for my card) To be honest, I think Craig used his managerial influence to inconvenience me. Xmas is in a few days, I havent had money for over a week and it looks like I will be without money for Xmas. I ALWAYS get their letters in a few days, I am sure Craig has is the root cause of this and to show me their power, they did send the card, hoping to force me to pay 50$ to get my card.

Love this Credit Union! I have been using them for years, for both business and personal needs and they always come through! Thank you Frank, Brett, Bill and everyone else at FRFCU!!!

Very friendly easy going people, always with a smile😁 My family and I have been banking with them for over 30 years and there's never been one issues. was robbed on vacation and by the time I got on the airplane that same day everything was completely settled.. their security is above and beyond! they catch things that other banks don't even think to look for🙏 I couldn't imagine ever banking anywhere else!!! I highly recommend them to everyone 👍🌟🤙⭐⭐⭐⭐⭐⭐

I call in monthly to make my payments due on a personal loan and credit card In addition to questions that I’ve had in the pass and the customer services representatives were very curious and patient